What are the current interest rates at Commerce Bank & Trust Winter Park, FL?

Current rates for Commerce Bank & Trust Winter Park, FL include: 12-Month CD: 3.25%, 18-Month CD: 3.25%, 24-Month CD: 3.00%, 36-Month CD: 2.75%, 48-Month CD: 2.75%, 60-Month CD: 2.75%

Commerce Bank & Trust Winter Park, FL Rates and Review January 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Commerce Bank & Trust Winter Park, FL provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

Home
Banks
Commerce Bank & Trust Winter Park, FL Deposit Rates

Commerce Bank & Trust Winter Park, FL's 6-Month CD rates are at 3.50%, 12-Month CD rates are at 3.25%, 18-Month CD rates are at 3.25%, 24-Month CD rates are at 3.00%, 60-Month CD rates are at 2.75%.

Commerce Bank & Trust Winter Park, FL

To see how these rates compare to Commerce Bank & Trust Winter Park, FL CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from Commerce Bank & Trust Winter Park, FL, savings rates and money market rates, with rates from other banks and credit unions below. You can use our bank rate lists to compare CD rates for all CD terms, with Commerce Bank & Trust Winter Park, FL CD rates. You can also compare Commerce Bank & Trust Winter Park, FL savings rates, MMA rates and mortgage rates using our other rate lists.

Commerce Bank & Trust Winter Park, FL money market rates, and other rates, are continually updated to reflect market conditions, we recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Commerce Bank & Trust Winter Park, FL? Share your experience about Commerce Bank & Trust Winter Park, FL by leaving a review below, or read customer reviews before you decide to use Commerce Bank & Trust Winter Park, FL.

Financial Stability and Texas Ratio

Commerce Bank & Trust Winter Park, FL's Texas Ratio is at 0.00%, which is considered excellent. The Texas Ratio for Commerce Bank & Trust Winter Park, FL is lower than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing.

Overall, Commerce Bank & Trust Winter Park, FL is an excellent bank worth considering, with an overall rating of 5 stars out of 5 stars.

Current Interest Rates

Rate

APY/APR

vs Avg

12-Month CD

3.25%

2.37%

18-Month CD

3.25%

2.15%

24-Month CD

3.00%

2.17%

36-Month CD

2.75%

2.12%

48-Month CD

2.75%

2.11%

60-Month CD

2.75%

2.23%

Savings

N/A

0.60%

MMA

N/A

0.76%

30-Year Fixed

N/A

6.09%

Credit Card

N/A

14.10%

Personal Loan

N/A

11.27%

"N/A" indicates the product is not offered or the rate is unavailable.

Commerce Bank & Trust Winter Park, FL

1201 S Orlando Ave
Winter Park, FL 32789

https://www.cbt-fl.com

MonitorBankRates' Rating

5/5

★★★★★

Review Commerce Bank & Trust Winter Park, FL

Commerce Bank & Trust Winter Park, FL CD Rates and Interest Rates

Commerce Bank & Trust Winter Park, FL

6-Month CD

3.50%

Commerce Bank & Trust Winter Park, FL

12-Month CD

3.25%

Commerce Bank & Trust Winter Park, FL

18-Month CD

3.25%

Commerce Bank & Trust Winter Park, FL

24-Month CD

3.00%

Commerce Bank & Trust Winter Park, FL

36-Month CD

2.75%

Commerce Bank & Trust Winter Park, FL

48-Month CD

2.75%

Commerce Bank & Trust Winter Park, FL

60-Month CD

2.75%

Disclaimer

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Compare Commerce Bank & Trust Winter Park, FL Rates with Other Competitive Bank and Credit Union Rates

Silver Lake Bank

Kasasa Checking

5.00%

My eBanc, a division of Bradesco Bank

12-Month CD (Jumbo)

3.90%

$50,000

The Dolores State Bank

12-Month CD

3.80%

$1,000

CorTrust Bank

18-Month CD

3.75%

$500

Lyndon State Bank

12-Month CD

3.56%

$1,000

Pathway Bank

18-Month CD

3.55%

$1,000

Beal Bank

24-Month CD

3.45%

$1,000

Aberdeen Proving Ground FCU

48-Month CD

3.30%

$100

Warsaw Federal S&L

48-Month CD

3.29%

$500

Pathway Bank

24-Month CD

3.21%

$1,000

Farmers State Bank Lake View, IA

36-Month CD

3.03%

$1,000

FSB of Burnet

24-Month CD (Jumbo)

3.03%

$95,000

M.Y. Safra Bank

60-Month CD

3.00%

$500

Mauch Chunk Trust Company

60-Month CD

2.81%

$500

1st Advantage Federal Credit Union

60-Month CD

2.75%

$500

North Shore Bank of Commerce

Preferred Investment Max Money Market

2.70%

$5,000

Senath State Bank

18-Month CD

2.52%

$500

Bank Northwest

60-Month CD

2.52%

$500

Wallkill Valley Federal S&L

48-Month CD

2.48%

$2,500

Chelsea State Bank (CSB)

36-Month CD

2.02%

$500

BayVanguard Bank

48-Month CD

2.02%

$1,000

Bank of Wolcott

36-Month CD

1.96%

$1,000

Hilltop National Bank

12-Month CD

1.51%

$1,000

Oakwood Bank Pigeon Falls, WI

Money Market

1.51%

$250

The Bank of New Glarus

60-Month CD

1.50%

$2,000

Buena Vista National Bank

60-Month CD

1.40%

$500

Kish Bank

Money Market

1.25%

$1,000

Acadia Federal Credit Union

Acadia Star Money Market

1.01%

$2,500

Huron Valley State Bank

Statement Savings

1.00%

Bank of Kampsville

36-Month CD

1.00%

$1,000

Security FSB

12-Month CD

0.71%

$500

BankOrion

24-Month CD

0.70%

$500

Catskill Hudson Bank

24-Month CD

0.50%

$500

Seamens Bank

Money Market

0.50%

$2,500

State Bank of Canton

3-Month CD

0.50%

$500

Blue Foundry Bank

12-Month CD

0.50%

$1,000

Bristol Morgan Bank

Money Market

0.25%

$1,000

FNB of Nevada, Missouri

Money Market

0.25%

$2,500

First National Bank of Clarksdale

Regular Savings

0.20%

Washita State Bank

Traditional Savings

0.20%

$200

Century SLA

Statement Savings

0.20%

Denison State Bank

Beyond Checking

0.10%

$100

TSB Teutopolis State Bank

Money Market Advantage

0.10%

$2,500

Watertown Savings Bank Watertown, MA

24-Month CD

0.10%

$1,000

Laona State Bank

Money Market

0.05%

$1,000

Luana Savings Bank

Regular Savings

0.05%

$100

The National Capital Bank of Washington

Interest Checking

0.05%

$100

State Bank Freeport, IL

Savings

0.05%

PS Bank

Money Market

0.03%

$1,000

Badger Bank

Regular Savings

0.02%

$100

Disclaimer

Mortgage Rate Comparison

Lender

Product

Rate

APR

Points

Old National Bank

30-Year Fixed FHA

5.875%

7.902%

0.000

Smart Financial Credit Union

3/1 ARM

4.240%

7.689%

0.000

Smart Financial Credit Union

3/1 ARM (Jumbo)

4.240%

7.689%

0.000

Grow Financial Federal Credit Union

5/1 ARM

5.750%

7.634%

0.000

Smart Financial Credit Union

5/1 ARM

4.740%

7.533%

0.000

Smart Financial Credit Union

5/1 ARM (Jumbo)

4.740%

7.533%

0.000

Great Lakes Credit Union

20 Year Fixed

7.125%

7.527%

0.000

Lake Shore Savings Bank

30-Year Fixed

7.250%

7.402%

0.000

Grow Financial Federal Credit Union

10/1 ARM

6.250%

7.325%

0.000

Kohler Credit Union

10/1 ARM

6.250%

7.325%

0.000

Laredo Federal Credit Union

20 Year Fixed

6.999%

7.235%

0.000

State Employees Credit Union

15 Year Fixed

7.000%

7.168%

0.000

FirstBank of Nebraska

30-Year Fixed

7.125%

7.126%

0.000

Marathon Bank

7/1 ARM

7.000%

7.111%

0.000

Lake Shore Savings Bank

20-Year Fixed

6.800%

6.993%

0.000

Hoosier Hills Credit Union

30 Year Fixed

6.750%

6.880%

0.000

Marathon Bank

5/1 ARM

6.750%

6.859%

0.000

American Bank

30-Year Fixed Jumbo

6.750%

6.825%

0.000

Fidelity Co-operative Bank

30-Year Fixed Jumbo

6.625%

6.809%

0.000

Kennebec Savings Bank

30-Year Fixed

6.750%

0.000

Alpena-Alcona Area Credit Union

30-Year Fixed

6.500%

6.748%

0.000

People First Federal Credit Union

10/1 ARM (Jumbo)

6.740%

6.723%

0.000

Pittsfield Co-operative Bank

7/1 ARM

6.750%

6.697%

0.000

Great Lakes Credit Union

30 Year Fixed

6.375%

6.670%

0.000

Laredo Federal Credit Union

15 Year Fixed

6.375%

6.662%

0.000

Port Washington State Bank

3/1 ARM

6.500%

6.648%

0.000

Port Washington State Bank

5/1 ARM

6.500%

6.630%

0.000

Missouri Credit Union

20 Year Fixed

6.500%

6.628%

0.000

FirstBank of Nebraska

15-Year Fixed

6.625%

6.627%

0.000

FirstBank of Nebraska

20-Year Fixed

6.625%

6.626%

0.000

Missouri Credit Union

30 Year Fixed

6.500%

6.597%

0.000

Penn East Federal Credit Union

10/6 ARM

6.525%

6.595%

0.000

Seaboard Federal Credit Union

30-Year Fixed

6.500%

6.595%

0.000

Pittsfield Co-operative Bank

10/1 ARM

6.500%

6.582%

0.000

Achieva Credit Union

5/1 ARM

5.250%

6.580%

0.000

Auburn Savings Bank

30-Year Fixed

6.500%

6.559%

0.000

Fidelity Co-operative Bank

30-Year Fixed

6.375%

6.556%

0.000

Truliant Federal Credit Union

30-Year Fixed Jumbo

6.500%

6.553%

0.000

Penn Community Bank

5/1 ARM (Jumbo)

6.500%

6.546%

0.000

Penn Community Bank

30-Year Fixed (Jumbo)

6.500%

6.546%

0.000

Mid American Credit Union

30 Year Fixed

6.375%

6.544%

0.000

Laredo Federal Credit Union

10 Year Fixed

6.125%

6.526%

0.000

GreenLeaf Bank

30-Year Fixed

6.500%

6.512%

0.000

Fox Valley Savings Bank

30-Year Fixed

6.375%

6.504%

0.000

Kennebec Savings Bank

15-Year Fixed

6.500%

0.000

Pittsfield Co-operative Bank

30-Year Fixed

6.375%

6.498%

0.000

Penn East Federal Credit Union

5/6 ARM

6.300%

6.498%

0.000

NASA Federal Credit Union

15-Year Fixed Jumbo

6.250%

6.481%

0.000

Northfield Savings Bank

5/1 ARM

5.625%

6.461%

0.000

FirstBank of Nebraska

10/1 ARM

6.375%

6.460%

0.000

View 50 More

Bank Profile & Overview

Commerce Bank & Trust Winter Park, FL

1201 S Orlando Ave
Winter Park, FL 32789
Orange
Established Date: 02/03/2003
FDIC Certificate #: 57429
Date of FDIC Deposit Insurance: 02/03/2003

Bank Holding Company: COMMERCE NATL BANKSHARES FL

How Many Domestic U.S. Offices? 1

How Many Branches are There? 1

Website: https://www.cbt-fl.com

Is Commerce Bank & Trust Winter Park, FL FDIC Insured? Yes

What is Commerce Bank & Trust Winter Park, FL's Cert number? 57429

What is the maximum amount for insured deposits? $250,000 per holder, per account

Financial Health & Assets

Total Assets:

$177,758,000

Total Deposits:

$158,917,000

Equity Capital:

$9,886,000

Net Income:

$233,000

Return on Assets (ROA):

0.5387%

Return on Equity (ROE):

9.5000%

Headquarters:

Winter Park

Regulator:

FED

# of Offices:

Source: FDIC | Last Updated 03/31/2024

Customer Reviews

There are no reviews for Commerce Bank & Trust Winter Park, FL yet. Feel free to create one below.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Commerce Bank & Trust Winter Park, FL

Frequently Asked Questions About Commerce Bank & Trust Winter Park, FL

Is Commerce Bank & Trust Winter Park, FL a safe place to deposit money?

Yes, Commerce Bank & Trust Winter Park, FL is considered a safe financial institution. With a Texas Ratio of 0.00%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does Commerce Bank & Trust Winter Park, FL operate?

Commerce Bank & Trust Winter Park, FL currently maintains approximately 1 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Commerce Bank & Trust Winter Park, FL does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Commerce Bank & Trust Winter Park, FL provides members with tools to manage their accounts and build a solid financial history.

Does Commerce Bank & Trust Winter Park, FL offer online and mobile banking?

Most modern institutions like Commerce Bank & Trust Winter Park, FL provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.cbt-fl.com.